Contribution de la microfinance islamique dans le financement de l’entrepreneuriat social : Une revue de la littérature
Auteur 1 : Mourad BAOCHI
Auteur 2 : Rahhal LAHRACH
Mots clés :
Entrepreneuriat social, Adoption, Finance islamique, Microfinance islamique, Financement
Social entrepreneurship is considered as a private initiative aiming at the collective interest, adopting an entrepreneurial approach to satisfy economic and social objectives, without seeking maximum profit, and in logic of respect for ethics and beliefs. This coincides with the main objectives of Islam. Thus, social entrepreneurship and Islamic microfinance, as parts of the Islamic finance ecosystem, attempt to solve the same problems and share the same motivations. The objective of this paper is, on the one hand, to demonstrate the contribution of Islamic microfinance, as an alternative and innovative means of financing, in solving the problems and constraints of financing social entrepreneurship, and on the other hand, to identify the factors that can influence the adoption of Islamic microfinance financing instruments by social entrepreneurs, through a review of 20 articles published between 2012 and 2021, including 11 of which dealing with the case of Morocco. The main factors in the adoption of Islamic financing instruments identified in the Moroccan context are cost, religious factor, knowledge and understanding of Islamic financing principles and instruments, social influence, attitude towards these instruments, perceived complexity and perceived risk.
Vol. 3 No 7 (2021)